Borrow-to-lend – The topic of leverage keeps coming up. Given the spread between home mortgage rates and p2p lending returns it is understandable that some people would want to take on this additional risk.

Thanks for the link to my Pay Off Credit Card site in this one Peter! Very much appreciated. Keep up the great work on this site. I’m excited to follow along as I work through my strategies and increase my investment portfolio at Lending Club.

Most of the investment options in the WSJ “Exotic but Dangerous” article were far more volatile & (one could easily argue), “dangerous” than p2p. So I’m not surprised p2p wasn’t part of the discussion.

Dan, I agree that most of the investments mentioned in this article were more volatile than p2p lending but I don’t think that is the reason why p2p lending was excluded. My guess is that it wasn’t even on this journalist’s radar. I have sent him an email to make sure it is on in the future.

So I only have a few loan investments at LendingClub, and today I just checked my account and saw one of them says “fully paid” under status. I’m assuming this means the borrower just paid the account in full. Good for him but bad for me, eh?

Oh, and other big news: Solar Mosaic, Inc. just opened up their p2p platform to the public today out in Cali. Minimum invest is $25 and must be Cali or NY resident or “accredited investor”. They are projecting returns above 4%. Will be interesting to watch.

Hi Julie, Some people think it is a bummer to have a loan pay early but I am not one of those people. Unless it was paid back in full on the first payment you have made very good interest on what essentially was a short term loan.

As for Solar Mosaic, funny you should mention them because I am working on a blog post about their launch right now. I have registered on their site and received their email this morning that they are going live today.